Home health care is a specialized field that provides an important service to patients who need some help but don’t want to give up all their independence. If you are in the industry, it’s important to have the right coverage. Manchester Specialty Insurance recommends several policies to include in your care provider insurance package.
When you are working so closely with patients, you need to make sure you are covered in case an accident happens. Your general liability policy is a good place to start, but you may also consider adding professional liability to your package. You can get liability coverage specifically designed to cover the unique risks you take at your job.
Caring for others in their homes can be physically demanding, so there is the possibility of personal injury on the job. If you are hurt or contract an illness while working, a worker’s comp policy can pay for medical treatment and any wages you lose while you are recovering.
Because you are going to your patients’ homes rather than having them come to you, you need a reliable way to get there. Your care provider insurance should include an auto policy.
Every industry has its own insurance needs. Having the right coverage for home health care protects you and the people you serve.